78 Elm St, Saco, ME 04072 Property Records

York County and Saco City property record for 78 Elm St, Saco, ME 04072

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 9 ba · 7,155 sqft · built 1900
Lot Size	0.33 acres (14,375 sqft)
Owner	Company Name on File
Tax Bill	$13,862 (2025)
Deeds & Mortgages	Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C4264R`

Property Details

APN / Parcel Number

Primary APN	`C4264R`
Alternative APNs	`SACO M:038 L:137 U:000-000` `M:038 L:137 U:000=000`

Interior

Bedrooms	9 Beds
Full Baths	9 Baths
Total Rooms	30 Rooms
Units	10 Units
Stories	2 Stories
Building Area	7,155 sqft Living Area
Gross Area	9,555 sqft
1st Floor Area	3,280 sqft
Basement Area	1,416 sqft
Unfinished Basement	1,416 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	C4264R
Street Address	78 ELM ST
City	SACO
State	ME
Zip	04072-2767
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	HDR
Legal Subdivision	ELL POND OAKS
Legal Lot Number	137
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3003
Census Tract	5301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Saco Historic District listed 1998 · 184 contributing resources · NRIS 98000594

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

78 Elm St, a residential property, is owned by a company that acquired it in July 2009.

Source: York County and Saco City records, as of July 30, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 54, SACO, ME 04072-0054
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2009
Deed Sale	Jul 7, 2009
Deed Book / Page	15675 / 229
Record Updated	Sep 20, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jun 19, 2019
Property Address	78 ELM ST, SACO, ME 04072-2767
Document Number	0179750284
Book / Page	017975 / 000284
Instrument Date	May 17, 2019
Instrument	22392
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	FIRST CHOICE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 ELM LN WELLS ME 040906501, WELLS, ME 04090-6501

Mortgage

Document Number	179750287
Date	Jun 19, 2019
Book Page	017975/000287
Instrument	22393

Lender

Name	PRIMARY RESID'L MTG
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 78 Elm St was $13,862, up 50.6% from the year before.

Source: York County and Saco City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
Municipality	Saco City
Unified School District	Saco Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$13,862.00 (+50.58%)	$976,200 (+48.99%) Land $294,800 Building $681,400
2024	$9,206.00	$655,200 Land $115,300 Building $539,900
2022	$7,972.00	$434,900 Land $87,800 Building $347,100

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 78 Elm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 78 Elm St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MAINE WATER COMPANY BIDDEFORD SACO DIV private · serves 42,508 people · EPA ID ME0090170
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Aug 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GoNetspeed.

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